About Monstro

Monstro is the operating system for governed financial intelligence. We build governance and intelligence infrastructure that enables artificial intelligence to operate safely, explainably, and at institutional scale.

We exist because the level of financial guidance historically available to a small group should be accessible to many more people. By combining AI with deep institutional infrastructure, we help financial institutions deliver more personalized, responsible, and life-changing financial support to millions of individuals.

We’re building mission-critical systems in a highly regulated domain, and we care deeply about doing it right. If you’re motivated by meaningful problems, high standards, and shaping infrastructure that improves financial outcomes, you’ll feel at home here.

About the Role

Monstro is hiring a hands-on SVP Head of Finance & Accounting to own the entire finance function: accounting, close, back-office operations, client billing, vendor cost management, reporting, and compliance.

As the founding finance hire, you'll build the finance function from the ground up - creating the infrastructure required to support Monstro's growth deliberately and ahead of the demand.

The scope is broad by design. This person keeps the books, runs close, and manages back-office operations - while simultaneously architecting the control systems that govern client revenue recognition, vendor and API cost attribution, and spend compliance in a regulated fintech environment. At Monstro, finance is operational infrastructure, not administrative support.

Why This Role Matters

This role exists to set a solid foundation for every financial and accounting transaction at Monstro. The primary objective is exhaustive, highly accurate, and scalable systems to manage spend - across every function, vendor, and client relationship.

Client billing is a major focus - revenue is usage-based, contracts are complex, and institutional clients require precision. Vendor cost management is equally critical, particularly API and data usage, which are variable, high-volume, and directly tied to product delivery. Monstro's internal controls must reflect the same standards as the banks and financial institutions we partner with - the reporting and compliance of that spend must be airtight.

Success is measured by the quality and integrity of the financial infrastructure this person builds - and how well it holds as Monstro scales.

What You’ll Do

Monstro, Multi-Entity & International Finance

• Manage all things finance across Monstro's multi-entity structure, both in the US and globally as we scale 
• Ensure revenue, contracts, and costs are correctly attributed across entities in line with multi-layered corporate structuring across IP, jurisdictions, tax, and corporate planning
• Own tax compliance and filing obligations across all active jurisdictions, including applicable benefits and credits

Client Billing & Revenue Recognition

• Own end-to-end client billing - usage data ingestion, invoice generation, collections, and revenue recognition
• Build billing infrastructure for B2B2C complexity: tiered pricing, usage-based models, per-user cost attribution, and institutional invoicing
• Partner with product and engineering to ensure usage data is accurate, reconciled, and traceable to the client and end-user level

Vendor Cost Management - API & Data

• Build a vendor cost management framework that tracks and attributes all API consumption, data licensing, and third-party infrastructure costs by product line, client, and environment
• Work with engineering to instrument cost attribution at the infrastructure level - spend should be traceable and verifiable, not estimated
• Surface cost trends, anomalies, and unit economics to support pricing, product, and executive decisions

Spend Reporting & Compliance

• Build the reporting layer that makes spend visible, attributable, and defensible - by client, product line, and cost category
• Build and enforce a spend compliance framework: policy documentation, approval chains, exception handling, and periodic review
• Serve as the primary point of accountability for financial controls, working with legal and external auditors as needed

Accounting & Back-Office Operations

• Own all day-to-day accounting: general ledger, AP/AR, payroll coordination, and month-end close
• Select and configure the accounting stack - ERP, expense management, and supporting tooling - built to scale
• Maintain audit-ready books and documentation from day one

Financial Reporting & Planning

• Build and maintain the core reporting package: P&L, cash flow, balance sheet, and cost-by-function on a monthly close cadence
• Develop operational reporting connecting financials to business performance - gross margin by product line, cost per unit of compute, billing efficiency
• Partner with leadership on budget-to-actual tracking, variance analysis, and financial modeling

What Success Looks Like 

• Clear, auditable picture of every dollar spent - by vendor, product, client, cost & category
• Client billing is accurate and fully traceable, with no disputes attributable to internal process failures
• API and data vendor costs are attributed at the user and client level, directly informing pricing and product decisions
• Multi-entity financials are clean, correctly attributed, and compliant across all active jurisdictions
• Monthly close completes on schedule with reporting leadership can act on immediately

What We’re Looking For

• 12+ years of progressive finance and accounting experience, with at least 4-5 years in a senior leadership role such as Controller, VP Finance, or Head of Finance at a high-growth fintech or SaaS company
• CPA and Big 4 background are not required, but are strongly preferred
• Bachelor's in Accounting or Finance required, MBA or MAcc a plus
• Experience building financial infrastructure at a high-growth SaaS or fintech from scratch
• Hands-on experience with B2B2C or usage-based billing where cost attribution at the end-user level is a real operational challenge
• Familiarity with API economics, cloud infrastructure costs, and data licensing
• Understanding of multi-entity corporate structuring across IP, jurisdictions, tax, and corporate planning
• Strong command of GAAP, ASC 606, and documentation requirements in a regulated environment
• Experience implementing accounting and spend management systems (e.g., NetSuite, Sage Intacct, Airbase, Ramp)
• Calm, precise communicator across founders, institutional clients, and auditors

Why Monstro?

• Ownership & Impact: Shape the future of AI-powered finance—building a category-defining product used by consumers and institutions around the world.
• Elite Team: Join a team with leadership that has a track record of scaling companies from early stage to major exits.
• Principles-Driven Culture: Work in a culture that values speed, ownership, and impact—what most companies achieve in 90 days, we do in 45.
• Comprehensive Compensation Package: Competitive salary, equity, and robust benefits package, including paid health, vision, dental, and disability coverage.

Base Compensation Range for New York City: $247,200 - $294,000

*The posted range reflects the base salary for this role across the market ranges for each location. Final compensation will depend on a variety of factors, including experience, skills, internal leveling, and market conditions, and will be offered within the stated range in accordance with applicable pay transparency laws.

Ready to Build With Us?

If you’re excited to contribute to a high-bar team building something meaningful, we love to hear from you!

About Monstro

Monstro is the operating system for governed financial intelligence. We build governance and intelligence infrastructure that enables artificial intelligence to operate safely, explainably, and at institutional scale.

We exist because the level of financial guidance historically available to a small group should be accessible to many more people. By combining AI with deep institutional infrastructure, we help financial institutions deliver more personalized, responsible, and life-changing financial support to millions of individuals.

We’re building mission-critical systems in a highly regulated domain, and we care deeply about doing it right. If you’re motivated by meaningful problems, high standards, and shaping infrastructure that improves financial outcomes, you’ll feel at home here.

About the Role

The Chief Product Officer role at Monstro is a rare opportunity to own a transformational, category-creating product - strategy, roadmap, design, execution, and the team that delivers it - across two products that define a new standard for how AI operates inside financial institutions.

No company has built what Monstro is building. The MVP will have launched to clients by the time this person joins, with an initial product team and systems in place. This role inherits that foundation and takes it further - enhancing the product based on roadmap priorities, client feedback, and the demands of scaling to deployment across millions of users.

The two products are a bank-branded mobile consumer experience and an institutional platform for bankers, advisors, and operators. The Chief Product Officer works closely with large institutional design partners to shape both from MVP into full deployment, defining how they connect and reinforce each other as a unified system.

This role requires judgment to set direction in genuinely new territory, the craft to hold a high bar across both products, and the leadership to grow a team that operates at Monstro's pace and standard.

Why This Role Matters

Monstro's entire identity is the strength and outcomes of its product. Our technology redefines how banking works for everyone - from the average person to the ultra-high-net-worth client.

The Chief Product Officer is at the forefront of that. This person takes a launched MVP and builds it into a product that works for every user type - from the retail banking customer receiving a financial recommendation for the first time, to the banker and advisor operating on AI-driven intelligence. The impact is real: transforming how people interact with their finances, at scale.

Internally, this role owns the product roadmap and drives cross-functional alignment across all teams to ensure Monstro delivers on its strategy and is successful as a company! 

What You’ll Do

Lead & Grow the Product Team

• Inherit and lead an existing team of two product managers with initial systems in place - and build on that foundation as the company scales
• Set the standard for planning, prioritization, decision-making, and quality
• Lead design from day one and hire product talent as scope grows

Post-MVP - Client Feedback - Scale

• Own the next phase: enhancing the product based on roadmap priorities and real client feedback
• Own client delivery - implementation, configuration, and go-live at client sites - in close partnership with engineering
• Work with large institutional design partners to shape the product from MVP into deployment across millions of users
• Manage the roadmap across both products as client priorities and business direction evolve

Dual Product Ownership

• Own the bank-branded consumer experience and the institutional platform for bankers, advisors, and operators
• Define how these two products connect, share intelligence, and reinforce each other
• Ensure both meet the precision and accountability standards institutional clients require

Product Operating System

• Define a modern, AI-first product process for a regulated, high-accountability environment
• Leverage AI tools natively across prototyping, requirements, user journeys, and technical handoff
• Build from first principles - Monstro is not a variation on existing banking or fintech patterns

Category Definition

• Create the language and mental models for a new category of AI-native financial infrastructure
• Define how banks guide customers using AI-native intelligence - personalization, guidance, and actionability at scale
• Own Monstro's product narrative with bank partners, institutional design partners, and the market

What Success Looks Like 

• The product operating model is defined and running - teams know how decisions are made, how work is prioritized, and how quality is maintained, with high autonomy and a consistent quality bar
• Engineering and design partnerships are tight - product, design, and engineering operate as a unified function with shared standards and fast iteration cycles
• Client feedback from the first bank deployments directly shapes the next iteration of the product - nothing is assumed, everything is validated
• Institutional design partners are actively shaping the roadmap, and the product grows increasingly solidified, frictionless, and scalable with each deployment
• Each new deployment is faster, cleaner, and more informed than the last - compounding momentum as Monstro scales
• Product is a strategic partner to the business as Monstro scales globally - roadmap decisions reflect both client priorities and commercial demands of entering new markets
• Monstro's product becomes the standard others in the industry benchmark against

What We’re Looking For

• 15+ years in product overall, with meaningful time at the CPO or equivalent level in an early-stage or growth-stage environment
• AI-native mindset with hands-on experience across prototyping, requirements, user stories, and technical handoff
• Deep experience in fintech, wealth, banking, or complex regulated data products
• Proven track record leading two distinct products - consumer and institutional - and managing the complexity between them
• Experience taking a product from initial launch through client feedback cycles into scaled institutional deployment
• Comfortable inheriting a small team and building it into a high-performing product organization
• Strong builder DNA - lean teams, fast iteration cycles, real client constraints
• Bachelor's degree in Computer Science, Engineering, Business, or related field; MBA or advanced degree a plus
• Calm, precise communicator across executive conversations, institutional partner meetings, and day-to-day with engineering and design

Why Monstro?

• Ownership & Impact: Shape the future of AI-powered finance - building a category-defining product used by consumers and institutions around the world.
• Elite Team: Join a team with leadership that has a track record of scaling companies from early stage to major exits.
• Principles-Driven Culture: Work in a culture that values speed, ownership, and impact - what most companies achieve in 90 days, we do in 45.
• Comprehensive Compensation Package: Competitive salary, equity, and robust benefits package, including paid health, vision, dental, and disability coverage.

Base Compensation Range for New York City: $336,000 - $399,000

*The posted range reflects the base salary for this role across the market ranges for each location. Final compensation will depend on a variety of factors, including experience, skills, internal leveling, and market conditions, and will be offered within the stated range in accordance with applicable pay transparency laws.

Ready to Build With Us?

If you’re excited to contribute to a high-bar team building something meaningful, we love to hear from you!

About Monstro

Monstro is the operating system for governed financial intelligence. We build governance and intelligence infrastructure that enables artificial intelligence to operate safely, explainably, and at institutional scale.

We exist because the level of financial guidance historically available to a small group should be accessible to many more people. By combining AI with deep institutional infrastructure, we help financial institutions deliver more personalized, responsible, and life-changing financial support to millions of individuals.

We’re building mission-critical systems in a highly regulated domain, and we care deeply about doing it right. If you’re motivated by meaningful problems, high standards, and shaping infrastructure that improves financial outcomes, you’ll feel at home here.

About the Role

Monstro is hiring a sharp, seasoned General Counsel (Senior Vice President level) to serve as our founding legal architect. This role will report to the CEO and is highly cross-functional in nature. As the sole legal hire, our GC will own the full spectrum of all things legal as it pertains to Monstro: for example corporate matters, contracts (such as vendor contracts, client contracts etc),  data governance, IP strategy, and regulatory compliance. 

Vendor contracts - API access, data licensing, third-party AI infrastructure - are an immediate and ongoing priority and must be built to scale from day one. As Monstro enters new markets, this role owns the compliance infrastructure for each expansion, managing local counsel and building regulatory frameworks ahead of operational entry. The right person also embeds with product and engineering on regulatory questions and leads complex institutional client negotiations.

Why This Role Matters

Monstro handles PII and highly sensitive financial data - some of the most regulated in any industry with high stakes for compliance. The SVP General Counsel is the person who keeps the company protected across every deal, market entry, data relationship, and corporate decision. As Monstro scales globally and takes on larger contracts, a well-built legal function becomes a direct competitive advantage.

Success is measured by how confidently Monstro can grow - and how rarely legal becomes the reason it can’t.

What You’ll Do

Own the Legal Function

• Be our legal authority on every legal matter across all functions - including but not limited to internal legal ops, contracts, data privacy, equity, governance, IP strategy, fundraising 
• Build & own the legal function from scratch - processes, templates, playbooks, and risk frameworks that scale - and be the trusted advisor to execs on legal risk & strategy
• Manage primary outside counsel strategically, knowing what to handle in-house, when to escalate, and when to go direct to local counsel
• Leverage & implement AI tools within legal as appropriate

Vendor Contracts & Data Agreements

• Own all vendor contract negotiation and management such as those covering data licensing, API access, and third-party AI infrastructure
• Build contract frameworks and playbooks to strategically manage vendor relationships
• Partner with engineering to ensure contractual terms align with how data is ingested, processed, and attributed

Client Contracts & Commercial Legal

• Lead negotiation and drafting of complex institutional client agreements - MSAs, data processing agreements, and deployment contracts with banks and financial institutions
• Partner with the commercial team to structure deals, resolve blockers, and close quickly
• Advise on liability, indemnification, IP ownership, and data rights

Regulatory Compliance

• Own Monstro’s compliance & regulation posture across all areas: financial services, data privacy, AI governance, and consumer protection in every jurisdiction
• Monitor the regulatory landscape for AI in financial services and action as needed
• Liaise with regulators and ensure Monstro remains audit-ready

International Expansion & Local Counsel

• Build frameworks & strategies to remain legal/compliant as we scale to new jurisdictions
• Manage the process of hiring, partnering with or managing outside counsel in new areas
• Advise on cross-border data transfers, local licensing, and jurisdiction-specific contract requirements

IP Strategy

• Define and own Monstro's IP strategy - focused on structuring and documenting proprietary technology, not defaulting to patent filings
• Advise on trade secret protection, confidentiality frameworks, and what makes Monstro's technology distinct and protectable
• Manage existing trademark filings and partner with engineering and product to embed IP thinking into how the company builds

What Success Looks Like 

• Monstro is compliant and legally protected end to end, across every dimension
• Our compliance infrastructure is built to institutional standards, giving bank partners the confidence to approve Monstro through their own internal legal and procurement processes
• Client contracts close without extended legal delays - templates and negotiating positions are clarified and understood by counterparties
• Vendor and data agreements hold up under due diligence and regulatory scrutiny
• New markets are entered with compliance and legal proactively cleared 
• Legal is treated as a commercial enabler and brought in early to close deals
• Outside counsel and local legal partners are leveraged strategically - engaged at the right moments, briefed efficiently, and managed to outcome rather than billable hours
• The legal function scales strategically and efficiently with company growth 

What We’re Looking For

• 10-12+ years of legal experience, with meaningful in-house experience at a fintech, AI company, or financial institution - or a combination of top-tier law firm and in-house
• JD required; New York bar admission strongly preferred
• Deep familiarity with the legal and regulatory landscape for AI and data-driven products in financial services
• Proven negotiator on complex commercial contracts with banks or similar regulated counterparties
• Hands-on experience with data licensing, API agreements, and third-party vendor contracts
• Experience supporting international expansion - entity structuring, local counsel management, multi-jurisdictional compliance
• Commercially minded - finds solutions that protect without stalling momentum

Why Monstro?

• Ownership & Impact: Shape the future of AI-powered finance—building a category-defining product used by consumers and institutions around the world.
• Elite Team: Join a team with leadership that has a track record of scaling companies from early stage to major exits.
• Principles-Driven Culture: Work in a culture that values speed, ownership, and impact—what most companies achieve in 90 days, we do in 45.
• Comprehensive Compensation Package: Competitive salary, equity, and robust benefits package, including paid health, vision, dental, and disability coverage.

Base Compensation Range for New York City: $317,000 - $377,000

*The posted range reflects the base salary for this role across the market ranges for each location. Final compensation will depend on a variety of factors, including experience, skills, internal leveling, and market conditions, and will be offered within the stated range in accordance with applicable pay transparency laws.

Ready to Build With Us?

If you’re excited to contribute to a high-bar team building something meaningful, we love to hear from you!